Cheaper 2016 Nissan Rogue Car Insurance Cost

Trying to find the cheapest insurance rates for your Nissan Rogue? Are you tired of not being able to scrape enough together each month for insurance? You’re in the same situation as the majority of other drivers.

There is such a variety of car insurance companies to buy insurance from, and although it’s a good thing to have multiple companies, it can be more challenging to find the best rates for your vehicles.

Affordable insurance rates with discounts

Insurance is easily one of your largest bills, but discounts can save money and there are some available to help offset the cost. Certain credits will be shown at the time of quoting, but some must be manually applied before being credited. If you aren’t receiving every discount you deserve, you may be paying too high a price.

  • Fewer Miles Equal More Savings – Low annual miles could earn slightly better insurancerates than normal.
  • Government Employees – Simply working for the federal government could qualify for a slight premium decrease for Rogue insurance with a few insurance companies.
  • College Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from home and do not have a car may be able to be covered for less.
  • Own a Home – Owning a house may trigger a policy discount on insurance since owning and maintaining a home is proof that your finances are in order.
  • Defensive Driver – Successfully completing a defensive driving course may get you a small discount and make you a better driver.

While discounts sound great, it’s important to understand that some credits don’t apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like you can get free auto insurance, it’s just not the way it works. Any amount of discount will reduce your policy cost.

A few popular companies and the discounts they provide are:

  • American Family has savings for multi-vehicle, good driver, bundled insurance, early bird, accident-free, and TimeAway discount.
  • Farm Bureau discounts include multi-policy, 55 and retired, good student, multi-vehicle, driver training, and renewal discount.
  • State Farm policyholders can earn discounts including student away at school, good driver, safe vehicle, anti-theft, defensive driving training, good student, and Drive Safe & Save.
  • Travelers may have discounts that include good student, multi-policy, new car, early quote, and driver training.
  • The Hartford offers discounts for driver training, defensive driver, anti-theft, vehicle fuel type, and good student.
  • GEICO has discounts for daytime running lights, military active duty, defensive driver, multi-vehicle, and emergency military deployment.
  • Progressive offers premium reductions for homeowner, good student, online signing, online quote discount, multi-vehicle, and continuous coverage.

If you need lower rates, check with each insurance company which discounts you may be entitled to. Some discounts might not be offered on policies in every state. To see a list of companies with discount insurance rates, click here.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage for your personal vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions might point out if your insurance needs would benefit from an agent’s advice.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Why am I required to buy liability insurance?
  • Why do I need rental car insurance?
  • Do I need PIP coverage since I have good health insurance?
  • If my pet gets injured in an accident are they covered?
  • What vehicles should carry emergency assistance coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Auto insurance coverage breakdown

Knowing the specifics of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and coverage can change by endorsement. These are the usual coverages offered by auto insurance companies.

Collision coverage protection

This covers damage to your Rogue caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like hitting a mailbox, damaging your car on a curb, scraping a guard rail, hitting a parking meter and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive protection

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as falling objects, hail damage, damage from getting keyed, rock chips in glass and vandalism. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability

This can cover damage or injury you incur to other people or property by causing an accident. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as legal defense fees, medical expenses, medical services, structural damage and court costs. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your Nissan Rogue.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical expense coverage

Coverage for medical payments and/or PIP pay for bills like EMT expenses, chiropractic care and prosthetic devices. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Save your cold hard cash

When you buy car insurance online, it’s a bad idea to buy poor coverage just to save money. In many cases, an insured dropped physical damage coverage and discovered at claim time that the savings was not a smart move. Your focus should be to buy the best coverage you can find at a price you can afford while still protecting your assets.

Budget-friendly insurance coverage can be bought on the web and from local insurance agents, so you should compare both to have the best selection. Some insurance providers may not provide the ability to get a quote online and many times these smaller providers sell through independent agents.

For more information, take a look at the articles below:

Comments About 2016 Nissan Rogue Insurance

  1. Markus Owens

    Affordable car insurance is a myth. I’m just east of Evansville, IN. I got free quotes with Progressive, AAA, Esurance, and Liberty Mutual for my 2016 Nissan Rogue and saved just over $460 a year. Left GEICO to switch. Have an at-fault accident tho.

  2. Victoria Carey

    Not sure if this is cheap. I live just outside Salem, OR. I quoted with GEICO, Liberty Mutual, and Esurance for my Nissan and cut my rates about $170 a year. Thankfully I’m not a high risk driver.

  3. Mireille Stuart

    Hope my car insurance gets cheaper. From northwest of Huntington, West Virginia. I compared lots of rates. Saved right around $20 a month. GEICO was the cheapest option for me. Insured with Mercury before. Even increased my liability limits. Online quotes are the way to go.

  4. Marguerita Mays

    I’m looking for cheaper coverage. Located in Little Rock, AR. Quoted quotes with Amica, MetLife, and USAA for my Rogue and I think I saved around $60 each month.

  5. Andre Hale

    If you don’t have tickets and are close to Los Angeles, California, check out State Farm. I saved quite a bit. Might find lower rates online.

  6. Tiffanie Murphy

    If you’re a decent driver and live in the vicinity of Wichita, KS, check out Progressive. You might save some money. Good multi-policy discounts.

  7. Carmelita Estrada

    I compared a lot of rate quotes for a 2016 Nissan Rogue in Baltimore, MD. Ended up at darn near $310 every six months with Auto-Owners. Insured with Auto-Owners before. Are quotes cheaper online?

  8. Emmett Rice

    Are GEICO rates cheap in Nebraska?

  9. Cleora Nicholson

    I found pretty cheap rate quotes for a 2016 Nissan Rogue in Baltimore, MD. Ended up at darn near $130 every six months with AIG Insurance. Have an at-fault accident tho. I used their website to get prices.